Особливості кредитування підприємств малого і середнього бізнесу в Польщі

Abstract

У статті розглянуто становлення, розвиток, а також сучасний стан банківського кредитування малих і середніх підприємств в Польщі та Україні. Проведено аналіз сучасних тенденцій розвитку кредитування малого і середнього бізнесу банківськими установами. Розроблено пропозиції щодо активізації банківського кредитування реального сектору економіки. The author of this article considered the establishment, the development and the current state of giving loans to small and medium-sized enterprises in Poland and in Ukraine. The writer analyzed modern tendencies of loan development of small and medium- sized business by banking enterprises. The author also developed the proposals for active bank loaning of real economic sector. The main objective of the article is to indicate dynamic and tendencies of loan system for small and medium- sized enterprises in Poland and also to create and offer recommendations for improvement of loan system in real sector in Ukraine. The methodology of the investigation: the writer used common scientific techniques and methods of scientific knowledge. Among them there is method of grouping comparison and generalization of economic figures. They are for investigation of tendencies and rules for bank loan operations for real sector of economics; a method of reason-consequence connection is used for explaining peculiarities of influential factors on the structure and quality of banking loan investments; an abstract-logical method is developed for determination of banking loan system improvement for small and middle-sized business in Ukraine. The results are based on theoretical explanation and practical solution to complex tasks according to the improvement of bank loaning for small and middle-sized business in Ukraine. The author of the article put forward ideas of improvement in bank loaning system for small and middle-sized business foundation of new banks which specialize on loaning of economics; forming the standards of legal protection of creditors' borrowers' rights; creating conditions for making banks interested in placing actives in basic areas of economic; causing mechanisms of loan improving methods and techniques of loan risk operation.